Shop & Dine

Neo Shop & Dine Mastercards

Go ahead, make that reservation. Earn up to 5% cashback with every new restaurant or outfit purchase. Check out options with no annual fees, travel insurance and more.

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Rated 4.8/5 on the app stores

Choose the card that benefits you

Shop & Dine has options. Pick the best one for you.

Neo World Mastercard® – Shop & Dine

Annual fee

$0

Personal minimum income

$50,000/year

Household minimum income

$80,000/year

2%

Food & drink¹

2%

Shopping¹

0.5%

Everything else

Earn cashback on your shopping & dining. With no annual fee.

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Neo World Elite® Mastercard – Shop & Dine

Annual fee

$149

Personal minimum income

$80,000/year

Household minimum income

$150,000/year

5%

Food & drink¹

3%

Shopping¹

1%

Everything else

Earn cashback on your shopping & dining. Premium travel insurance included.

Get this card

Compare cards and find the best one for you

Pick the card that fits your life.

Neo World Elite® Mastercard – Shop & Dine

Earn more on food & retail

Neo World Mastercard® – Shop & Dine

Everyday cashback on dining & shopping

Food & Drink Cashback¹

5%

2%

Retail Shopping Cashback¹

3%

2%

Everything Else Cashback

1%

0.5%

Partner Cashback²

Up to 15%

Annual Fee

$149

$0

Additional Cards⁵

$49

$0

Mastercard Zero Liability³

Extended Warranty & Purchase Protection⁶

Mastercard Benefits

DragonPass Lounge Access¹¹

–

Flight Delay⁶

–

Trip Interruption & Cancellation⁶

–

Hotel/Motel Burglary⁶

–

Comprehensive Travel Insurance⁶

–

Auto Rental Collision/Loss Damage Insurance⁶

–

Emergency Medical Coverage⁶

–

Income Requirements

$80,000 personal or $150,000 household

$50,000 personal or $80,000 household

Available with secured credit

Purchase Rate⁴

19.99%–29.99%

Cash Advance Rate⁴

22.99%–31.99%

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Special features

Benefits with serious range. Get more from every Neo credit card.

Instant card access

No more waiting. Get your digital card instantly upon approval.

Additional cashback offers

Shop at over 10,000 partners across Canada to earn additional, instant cashback.

More from Mastercard

Access exclusive Mastercard offers from partners like H&R Block, FlexiRoam, Fubo & more.

Schedule payments

Remove stress and never miss a monthly payment with auto-pay.

Financial insights

Get a live, personalized view of your spending to track in real time.

Costco® exclusive

Mastercard is the exclusive credit card accepted at Costco warehouses across Canada.

Earn cashback, no credit score required.

If you’re starting out or rebuilding credit, you may receive an offer for a Neo credit card with a secured credit limit. Secured credit is one of the simplest ways to build or rebuild your credit⁸.

Guaranteed approval¹⁰, regardless of your credit score. Set your limit with a refundable security fund and start building your credit score from day one.

Apply now

Security you can depend on

Advanced safety technologies working together with one simple goal: Keeping you secure and protected.

Neo uses AI to monitor for unusual activity while keeping your personal data private.
Freeze your card, view and change your pin, and dispute transactions, all from your phone.
Help protect your card from purchases you didn’t make.

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Interested in other options?

Gas & Grocery

Everyday shopping can be repetitive, but when it comes to cashback, repetition is good. Get up to 5% on groceries and 3% on gas.

Learn more

Everywhere

Earn cashback everywhere you spend. A flexible card that rewards every purchase, no matter the category.

Learn more

Rated 4.8/5 on the app stores

1.3+ million Canadians trust Neo

See how everyday effort turns into real progress

I’ve worked very hard to strengthen my credit history. Thank you Neo for giving me an opportunity to build.

Ryan Haughian

With Neo’s secured card, I’m learning to build my credit responsibly. It’s helping me grow my confidence with credit.

Garry Murphy

It’s helped me rebuild my credit, and I am ecstatic about it!

Eleanor Pye

Have a question?

Here’s some common questions about Neo Shop & Dine credit cards.